out-of-pocket costs

简明释义

实付费用

英英释义

例句

1.When planning a budget for a vacation, it's important to consider out-of-pocket costs 自付费用 like meals and activities.

在计划度假预算时，考虑像餐饮和活动这样的自付费用是很重要的。

2.During tax season, I realized that my out-of-pocket costs 自付费用 for education could be deducted.

在报税季节，我意识到我在教育上的自付费用可以扣除。

3.After my insurance covered most of the medical expenses, I still had to pay some out-of-pocket costs 自付费用 for the prescription.

在我的保险支付了大部分医疗费用后，我仍然需要为处方支付一些自付费用。

4.The out-of-pocket costs 自付费用 for dental work can add up quickly if you don't have insurance.

如果没有保险，牙科工作的自付费用可能会迅速增加。

5.Many people are surprised by the out-of-pocket costs 自付费用 associated with home repairs.

许多人对房屋维修相关的自付费用感到惊讶。

作文

In today's world, understanding the various aspects of personal finance is crucial for making informed decisions. One term that often comes up in discussions about healthcare and insurance is out-of-pocket costs. These are expenses that an individual must pay directly, rather than having them covered by insurance or another third party. Understanding what these costs entail can help individuals better prepare for their financial responsibilities and make wiser choices regarding their health and well-being.To illustrate the importance of out-of-pocket costs, consider a scenario where an individual requires medical treatment. Suppose they have health insurance that covers a significant portion of their medical expenses. However, even with insurance, there are still certain costs that the individual will need to pay out of their own pocket. These can include deductibles, copayments, and coinsurance. For instance, if a person has a deductible of $1,000, they must pay that amount before their insurance begins to cover any expenses. After meeting the deductible, they may still be responsible for a percentage of the costs, known as coinsurance, which further adds to their out-of-pocket costs.Moreover, out-of-pocket costs are not limited to just medical expenses. They can also apply to other areas of life, such as education and home repairs. For example, when a student attends college, they may receive financial aid or scholarships that cover tuition fees. However, there are often additional fees, like textbooks and supplies, that the student must pay themselves. These expenses contribute to the total out-of-pocket costs of their education.Understanding out-of-pocket costs is essential for budgeting effectively. Individuals should take the time to assess their potential costs in various situations to avoid unexpected financial burdens. For example, when planning for a medical procedure, it is wise to contact the healthcare provider and insurance company to get a breakdown of anticipated expenses. This proactive approach can help individuals set aside the necessary funds to cover their out-of-pocket costs and reduce stress related to financial surprises.In conclusion, being aware of out-of-pocket costs is vital for anyone looking to manage their finances effectively. Whether it’s in healthcare, education, or other areas, these costs can significantly impact one’s budget and overall financial health. By understanding what out-of-pocket costs entail and planning accordingly, individuals can navigate their financial responsibilities with greater confidence and security. Ultimately, this knowledge empowers people to make informed decisions that align with their financial goals and well-being.

在当今世界，理解个人财务的各个方面对于做出明智的决策至关重要。在关于医疗和保险的讨论中，一个常常出现的术语是自付费用。这些是个人必须直接支付的费用，而不是由保险或其他第三方承担。了解这些费用的内容可以帮助个人更好地为他们的财务责任做好准备，并对他们的健康和福祉做出更明智的选择。为了说明自付费用的重要性，考虑一个需要医疗治疗的个人的场景。假设他们有健康保险，可以覆盖大部分医疗费用。然而，即使有保险，个人仍然需要支付某些费用，这些费用必须由他们自己承担。这些费用可能包括免赔额、共付额和共同保险。例如，某人如果有1000美元的免赔额，他们必须先支付这笔金额，保险才会开始覆盖任何费用。在满足免赔额后，他们可能仍需负责一部分费用，称为共同保险，这进一步增加了他们的自付费用。此外，自付费用不仅限于医疗费用。它们还可以适用于生活的其他领域，例如教育和房屋维修。例如，当学生上大学时，他们可能会获得覆盖学费的经济援助或奖学金。然而，通常还有额外的费用，如教科书和用品，学生必须自己支付。这些费用会增加他们教育的总自付费用。理解自付费用对于有效预算至关重要。个人应该花时间评估他们在各种情况下可能产生的费用，以避免意外的财务负担。例如，在计划医疗程序时，明智的做法是联系医疗服务提供者和保险公司，以获取预期费用的详细信息。这种主动的方法可以帮助个人预留必要的资金来支付他们的自付费用，并减少与财务意外相关的压力。总之，意识到自付费用对于任何希望有效管理财务的人来说都是至关重要的。无论是在医疗、教育还是其他领域，这些费用都可能对个人的预算和整体财务健康产生重大影响。通过理解自付费用的内容并进行相应的规划，个人可以更自信和安全地应对他们的财务责任。最终，这种知识使人们能够做出符合其财务目标和福祉的明智决策。